Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Kenny Niernberg

Our agent Hannah was very enthusiastic…

Our agent Hannah was very enthusiastic on our initial call. Assured us that she would be easily reachable, and I've called on a number occasions and left a voicemail and never got a response back. Based on this interaction I will not be using embrace to insure my new puppy.
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5

out of 5

POSTED: | BY: George Himes

The Embrace Pet Insurance website very…easy and quick to use.

The Embrace Pet Insurance website very easy to fill out.
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5

out of 5

POSTED: | BY: JustAnswer Customer

Great insurance plan for emergencies

Great insurance plan for emergencies, sudden illnesses and accidents. So far, I have been reimbursed for all emergency visits that I have submitted claims for. The Key is to get insurance for your dog/ puppy as soon as possible when they are still healthy, as that way, you will not be denied for conditions that may develop later in the life of your dog. If you wait until there is a sickness or emergency, those will be considered as pre-existing conditions (just like any insurance policy) and any sickness related to pre-existing conditions will not be covered. So do the wise thing and get Embrace insurance as soon as you get your pet. We chose to go with Embrace in particular because of the excellent reviews for claims settlements and their comprehensive coverage.
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5

out of 5

POSTED: | BY: Bo

Quick & easy claims

Just a few minutes to fill out the on-line forms and the check arrived in less than a week.
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5

out of 5

POSTED: | BY: customer

I was having difficulty filing a claim

I was having difficulty filing a claim! Your employees were so helpful in getting me where I needed to be!
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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